Best Solar Financing Options 2026

The right financing can make solar affordable for any budget. We've evaluated the top solar financing options based on interest rates, terms, flexibility, and total cost of ownership.

Last updated: 2026-03-12Reviewed by: Sarah Chen

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Our Top Picks

#1 Mosaic Solar LoansBest Solar Loan

Rating: 4.5/5 | Best for: Best Solar Loan

Industry-leading solar lender with competitive rates and flexible terms.

Pros: 3.99-7.99% APR, Flexible 10-25yr terms, Fast approval

#2 GoodLeapBest Digital Experience

Rating: 4.4/5 | Best for: Best Digital Experience

Fast digital application with competitive rates and a streamlined process.

Pros: 4.49-8.99% APR, Quick online approval, Home improvement focus

#3 Sunrun Lease/PPABest Solar Lease

Rating: 4/5 | Best for: Best Solar Lease

Most established $0-down lease program with comprehensive maintenance included.

Pros: $0 down, Maintenance included, Predictable payments

#4 Credit Union Solar LoansBest Interest Rates

Rating: 4.3/5 | Best for: Best Interest Rates

Local credit unions often offer the lowest interest rates for solar financing.

Pros: Lowest rates available, Personal service, Flexible terms

#5 PACE/YgreneBest for Low Credit

Rating: 3.8/5 | Best for: Best for Low Credit

No credit check financing repaid through property taxes.

Pros: No credit check, Transfers with property, 100% financing

How We Chose

Our selections are based on the following criteria: . Each product was evaluated by our research team using manufacturer specifications, independent testing data, and verified customer feedback.

Buying Guide

When choosing solar equipment, consider your specific needs, budget, roof characteristics, and local climate conditions.

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Frequently Asked Questions

Cash provides the highest ROI, but solar loans offer the best balance of ownership benefits and $0 down. State incentives and net metering make ownership-based financing more valuable.

PACE financing requires no credit check. Some solar lenders approve scores as low as 600. FHA Title I loans also have flexible requirements for energy improvements.

SolarSavingsAI Research Team

Solar Energy Analysts

Our team analyzes solar incentive data from federal (DOE, IRS), state (DSIRE), and utility sources to provide accurate savings estimates. Data is reviewed quarterly and cross-referenced with NREL benchmarks.

Sources: DOE, IRS, DSIRE, NREL, EIA Updated: 2026 Full Methodology Editorial Standards